Friday, October 11, 2013 8:41:02 AM
When I bought my own insurance after I went freelance about 12 years ago, I went on esurance.com and compared plans for my state. Then I had to fill out a long questionnaire about my health history before I got accepted. I changed plans at least once since then to lower my rate as I could afford a higher deductible. Blue Cross sent me a letter the other day telling me what my 2014 monthly payments were changing to, since it goes up every year and especially on milestone birthdays like the one I have coming next year. I compared my plan to the ones MN is offering on exchanges and I'll probably stay with what I have. There is a cheaper one ($154 vs $190) in the exchanges but I`ve never heard of Preferred One and know most places accept Blue Cross. A HealthPartners plan was pretty comparable as well. I was able to compare plans just using my zip code and birthdate. NOT THAT HARD.